Ulcerative Colitis Life Insurance

For people who suffer from Ulcerative Colitis and are looking for competitive life insurance, you may have found it difficult to get cover in the past. This page focuses on Life Insurance for Ulcerative Colitis and looks at how we can help you to find the best cover at the most competitive rates.

How it works

For people who suffer from Ulcerative Colitis, life insurance underwriters will want the following information:

Age at diagnosis

Medication / treatment

Frequency of symptoms (Flare-ups)

Any hospital admissions

Related conditions (e.g. Liver Disease

The Insurance Surgery is a leading life insurance expert for people who suffer from pre-existing medical conditions such as Ulcerative Colitis. We use our extensive knowledge of the insurance market to help you to obtain the best cover to protect your family or business and at the most competitive premiums.

Most Common Questions

Underwriting criteria can vary from one life insurance provider to another for Colitis so it is important that we approach the best provider for you and your condition. We know from our many years of experience and expertise, which providers are best for Ulcerative Colitis and in some cases can obtain caver at standard rates (with no loading).

It may be possible that life insurance could have been declined in the past because of certain factors, such as recent surgery, other complications, medication or underwriting criteria. We always search the whole market for you to find the best cover we can for you based on your current circumstances. If we cannot get cover for you right now through the standard insurance market, then we have other specialist providers we can look at for you and will always continually review your situation in the future.

The good news is that both Critical Illness Cover and Income Protection are potentially available for people who suffer from Ulcerative Colitis. There will be a number of factors to be considered by underwriters and special terms or exclusions may apply depending on severity and frequency of symptoms (for more information see below).

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Ulcerative Colitis and Life Insurance:

Life Insurance for people who suffer from Ulcerative Colitis is generally accepted from the majority of providers and will either be at standard rates (no loading) or can come with special terms. Where additional loadings or special terms are applied, this will usually be due to more regular symptoms and medication / treatment. It is possible to obtain Life Insurance for Ulcerative Colitis at standard rates with no additional loading where symptoms are either less frequent or no symptoms in the past 12 months.

If you have been recently diagnosed with Ulcerative Colitis it may also be possible for Life Insurance to be postponed until your condition is under control and stable. You may also be postponed cover if you have had recent surgery or if you are awaiting surgery, or for cases where Ulcerative Colitis is combined with other linked conditions such as Liver Disease.

Critical Illness Cover for Ulcerative Colitis:

Generally there is a good probability that Critical Illness Cover will be available with a history of Ulcerative Colitis, however there may be a loading applied and / or exclusions. For individuals who experienced few flare-ups in the past 12 months and treatment / medication is mild, it may be possible to obtain cover at standard rates or with a small rating.

Underwriters will want to know the frequency and severity of any symptoms (flare-ups), type and dosage of any treatment / medication, details of any surgery or planned surgery and the date you were diagnosed.

Where symptoms and treatment are more serious, there will generally be an additional loading applied to the premium and exclusions may also be included within the policy you are offered. It is important to read any offer of terms before accepting any policy to ensure that the cover meets your needs and that it is adequate for your requirements. In some more severe cases, Critical Illness Cover may be declined for Ulcerative Colitis based on underwriting risk factors.

Income Protection and Ulcerative Colitis:

Income Protection for Ulcerative Colitis can be difficult to get standard rates and without any exclusions, so expect to have to check your policy wording thoroughly. Insurance underwriters will want to know all relevant information about your condition to accurately assess your application, plus a GP / medical report will usually be required. If you have had few symptoms in the past 12 months and your Ulcerative Colitis is well controlled with mild medication, then you may find that you are offered cover with a small premium increase and / or some exclusions. For more severe and regular symptoms with stronger medication, you will find a higher loading may be applied, with exclusions or even a decline.

Facts about Ulcerative Colitis:

Ulcerative Colitis is a chronic condition that affects the bowel and the large intestine which causes inflammation of the rectum and colon. The effects of the condition can cause symptoms such as diarrhoea, abdominal pain and regular need to empty your bowel.

Ulcerative Colitis stats (UK):

Most common type of Inflammatory Bowel Disease (IBD)

146k patients diagnosed with Ulcerative Colitis each year

Most common in people between 15 and 30

Can affect Males and Females equally

20% of people with Ulcerative Colitis have a blood relative with IBD

Causes of Ulcerative Colitis:

It is not currently known what exactly causes a person to develop Ulcerative Colitis, however it is believed to involve factors such as genetics, an overactive immune system and your environment.

Some people believe that it is caused by diet or something that they have eaten which is a myth.

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The Insurance Surgery specialises in finding the best life insurance products for people with pre-existing medical conditions such as Ulcerative Colitis. We aim to find you the right cover to protect your family of business at the most competitive prices.

Anonymous Author

November 26th 2016'The best broker you can get'
Sarah Angel. An angel in name and in facts. She's the customer representative that has spent months in the months in helping me getting the deal I got. Always patient, never given up looking for the right policy and me. Frankly, I never thought a lot about brokers but this company is a blessing to people that cannot get insurances by themselves for health reasons. Thank you.4.8

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The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at www.fsa.gov.uk/register/home.doRegistered in England and Wales. No 5137288. Registered and trading from Wood Street Mill, 45 Pickford Street, Macclesfield, Cheshire SK11 6HBThe guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK